Momwe mungapezere ngongole kubanki ndi mbiri yakale ya ngongole ndi mitengo yochepa ya chiwongoladzanja

Nthaŵi zina kufunika kwa ndalama zobwereka kungakumane ndi ngongole ya banki. Pali zambiri zomwe zimaperekedwa pamsika. Osati kulakwitsa ndi kusankha?

Kodi mungapeze bwanji ngongole?

M'gawo la Russian Federation muli mabungwe ambiri a boma ndi amalonda, omwe ali ndi zikhalidwe zawo zosiyana. Chiwembu chopeza ngongole ndi chimodzimodzi mu bungwe lililonse la ngongole. Ndikofunika kusankha chithandizo, kupereka mapepala a malemba ndi kuyembekezera yankho.

Bungwe lingapemphe:

- pasipoti yomwe imatsimikizira uzika wa Russia;

- chiphatso chochokera kuntchito pa mlingo wa ndalama kwa miyezi isanu ndi umodzi yapitayi;

- cholembedwa cha ntchito kapena mgwirizano, wotsimikiziridwa ndi chidindo cha malonda;

- chikalata chachiwiri chomwe mungasankhe kuchokera ku (layisensi yoyendetsa, pasipoti, tikiti ya usilikali, etc.).

Ngati ndalama za ngongole ndi zazikulu, mungafunike:

- thumba la magawo atatu;

- chikole monga mawonekedwe.

Zowonjezera ku Russian Federation zimaperekedwa kwa anthu a zaka zapakati pa 21 ndi 75. Panthawi imodzimodziyo, baramwamba ayenera kufika pamapeto a mgwirizano ndi banki. Maganizo, mawu ndi phukusi la zolemba zingasiyane malingana ndi pulogalamuyo.

Kodi mungapeze bwanji ngongole ya ogula? Ndalama za ndalama zingaperekedwe mu ruble, madola kapena euro. Zikondwerero zimadalira ndalama zosankhidwa. Malipiro ogwiritsira ntchito ndalama zongobwereka angakhale otsika ngati zitsimikizo zina zimaperekedwa ngati chikole kapena chitsimikizo.

Kulembetsa mwamsanga

Ngati mukufunikira ndalama mwamsanga, ndipo palibe nthawi yakudikirira chisankho kuchokera ku banki, mukhoza kupita ku "Credit Cafe", "Mig Credit", etc. Mabungwe amenewa amapereka makasitomala awo ang'onoang'ono kwa masiku angapo phindu lochepa. Kodi mwamsanga mungatenge ngongole? Zokwanira kugwiritsira ntchito "Quick Money" panthawi yamalonda, kupereka pasipoti, zokhudzana ndi abwana ndipo pakatha mphindi 20 mutenge ndalama. Ubwino wa mabungwe amenewa ndi angapo: mapepala osachepera, maulendo apamwamba a kupanga zisankho. Kodi mwamsanga mungatani kuti mutenge ngongole kwa a Russia? Njira yachiwiri ndiyo kugwiritsira ntchito ku banki kumene mwatenga kale ngongole. Ngati zikhalidwe zopezera ndalama zisasinthe, zikutheka kuti chisankho sichichedwa kuchepetsedwa kwa nthawi yaitali.

Mabanki amatani?

Poganizira momwe ntchitoyi ikuyendera, mabungwe a ngongole ayambe kufufuza kuti adziwe zomwe zili mu mafunsowa. Zowonjezera zowonjezera ndizofufuzidwa pa zifukwa zotsalira: zaka zapuma pantchito, kulembetsa kwa wobwereka m'dera losakhazikika, ndi zina zotero. Pulogalamu iliyonse imalandira chiwerengero kuchokera pa mafunso onsewa. Malingana ndi chiwerengero chawo chonse, banki imapanga chisankho.

Kodi ndiyenera kumvetsera chiyani kwa munthu amene angakwerekere:

- kulipilira kulipira;

- Chilango cha kubwezeredwa kwa malipiro, kubwezera ngongole koyambirira;

- malemba onse a mgwirizano mu mgwirizano, omwe amalembedwa mu zolemba zing'onozing'ono.

Kodi mungatani kuti mutenge ngongole kubanki popanda inshuwalansi?

Ndi zophweka ngati ndalama za ngongole ndizochepa. Malinga ndi lamulo la Federal "Pa Chitetezo cha Ogulitsa Amuna", kukakamizika ku inshuwalansi sikuletsedwa. Zomwe mukufunazi ndizofuna, koma zikhoza kuonjezera chiwongoladzanja ngati wogula akukana ntchito. Koma, ngati chochitika cha inshuwalansi chikuchitika, wobwereka amalandira ndalama ndi kupeŵa mavuto polipira ngongole.

Mbiri yoipa

Mavuto azachuma a 2009-2010 anasiya anthu ambiri opanda ntchito. Atatayika gwero la ndalama, sakanatha kukhazikitsa mabanki ndi mabanki pazinthu zawo. Izi zinakhudza mbiri yakale ya ngongole. Komabe, kusowa kwa ndalama kungabwere nthawi iliyonse. Kodi ndikuti ndi "otani" makasitomala otenga ngongole?

Mavuto angabwere kuchokera ku zolakwika za banal. Malingana ndi chiwerengero, 30 peresenti ya ngongole yobwereka mosayembekezereka imabwera chifukwa cha kukumbukira kwa makasitomala. Chifukwa chake, mabanki amapereka SMS-kudziwitsa anthu za nthawi yobwezera. Vomerezani kapena ayi, wosankhayo akuganiza. Chinthu china ndi chakuti banki ikukana ngongole, ponena za mbiri yakale ya ngongole, imene wobwereka sakayikira ngakhale pang'ono. Ndiye pali mwayi woonetsetsa chidziwitsocho mwa kupempha zonse zomwe zili mu makasitomala ku credit bureau. Deta yosasinthika ikhoza kusinthidwa. Mabanki ena amapereka ngongole ngakhale kwa "oipa" obwereka, koma pa chiwongola dzanja chokwanira. Atabweza ngongoleyo nthawi komanso mokwanira, kasitomala angapangitse mbiri yake.

Popeza atasokoneza maubwenzi ndi banki kamodzi, anthu akuopa kugwiritsa ntchito ku bungwe. Ndipo pachabe. Komanso, mabanki amakondwera kugwira ntchito ndi makasitomala akale. Kodi amapeza bwanji ngongole m'mabungwe omwe mabwenzi awo adagonjetsedwa? Komanso m'mabungwe ena. Otsatsa omwe akufuna kusintha mbiri yawo, apite ku dipatimenti ya ngongole ndi pempho kuti mupange ndondomeko yatsopano ya malipiro ndikuvomerezana ndi kuchuluka kwa malipiro. Banks akufuna chidwi cha kubwereketsa ngongole, motero amadzipereka kuti akakomane nawo.

Momwe mungakhalire ndi penshoni

Kupeza ngongole kwa wofufuza ntchito pakati pa zaka 21 ndi 60, zinthu zina zonse zofanana, ndizosavuta. Komabe, kufunika kwa ndalama kungabwere kwa anthu okalamba. Kodi pulogalamu ya penshoni ingabwereke ngongole bwanji? Pa gulu losatetezedwa kwambiri la anthu, mabanki amapanga mapulogalamu omwe ali ndi zida zapadera. Kwa mabungwe a ngongole, anthu ogwira ntchito pantchito ndi gulu lokongola la obwereka, popeza:

- ali omvera malamulo, olemekezeka ndi oyenerera;

- ali ndi ndalama zochepa koma zosakhazikika.

Koma chokhumudwitsa kwa oterowo akhoza kukhala:

1. Mbadwo. Pa nthawi yobwezera ngongoleyo, wobwezera ayenera kukhala wosakwana zaka 75.

2. Zopeza ndalama. Ngati phindu lokha la ndalama ndi penshoni ya wobwereka, ndiye kuti simuyenera kuwerengera ndalama zambiri. Ngati wogwira ntchito angathe kukhalabe ntchito kapena akuchita bizinesi, ndiye kuti ali ndi mwayi wambiri. Malingaliro a ngongole idzakhala yosiyana kokha mwa nthawi. Chiwongoladzanja chidzapitirira pa msinkhu umodzi.

Chinthu chinanso mu utumiki wa apenshoni ndi inshuwalansi ya moyo kwa wobwereka. Kotero, bungwe la zachuma limachotsa payekha zoopsa zomwe zikugwirizana ndi kuthekera kwa imfa kwa chithandizo, chomwe chidzaphatikiza kubwereranso kwa ngongole. Koma ngakhale pakadali pano, wogonjetsa ndalama akhoza kuyembekezera ndalama zing'onozing'ono za ngongole kwa miyezi ingapo. Kuonjezerapo, nkofunika kukopa chigamulo chachinyamata chokwanira. Koma apa palinso vuto lina. Ngati munthu wobwereka amwalira, katundu wake ndi ngongole zimasamutsidwa kwa wachibale wake. Apa ndi momwe mungapezere penshoni kwa ndalama zambiri.

Ngongole zopanda chidwi

Masiku ano mabanki ambiri amapereka makasitomala awo kuti azikongoza ngongole. Ndikofunika kumvetsetsa zomwe zikutanthauza.

Ndi chinthu chimodzi ngati mabanki amalepetsa ndalama zawo pa ngongole. Zochita zoterozo ndizosowa ndipo nthawi zambiri zimayambitsa kufunika koyika ndalama zomwe zimalandira pakhomo laling'ono. Chinthu china ndi chakuti banki ikupereka ngongole ya "0%". Kodi mungapeze bwanji ngongole yofewa? Palibe njira. Chowonadi ndichoti Chilamulo "Pa Mabanki ndi Ntchito Zogulitsa Bank" chimanena momveka bwino kuti sichiloledwa kupereka ngongole kwaulere ku bungwe la ngongole. Kuchuluka kwa chiwongoladzanja chiyenera kukhala 0.01% pachaka. Koma pakadali pano, mabanki amatha kukakamiza kuti kasitomala apereke mapulogalamu ena owonjezera: kuyambira ndi SMS-kudziwitsa ndi kutha ndi inshuwalansi ya moyo. Choncho, musanaganize momwe mungapezere ngongole "yaulere", werengani mosamala malamulo a ntchito. Mwina ndi kopindulitsa kwambiri kubwereka ngongole yochulukirapo, koma popanda makomiti ena.

Ndalama za chitukuko cha malonda

Kufunika kwa ndalama zobwereka kungabwere osati kwa anthu okha, komanso kwa amalonda. Kodi mungapeze bwanji ngongole kwa bizinesi? Ndikofunika kuyika ku banki, kusiya ntchito, kupereka mapepala ovomerezeka, zolemba zachuma. Malingana ndi kuchuluka kwa ndalama ndi cholinga cha ngongole, chigamulocho chapangidwa masiku asanu ndi awiri. Nthaŵi zambiri, mabanki amatsegula ngongole kwa makasitomala awo. Ndalama zimenezi zingagwiritsidwe ntchito pokwaniritsa zosowa zamakono, monga kulipira kwa zipangizo. Pa nthawi yomweyo, palibe zowonjezera zowonjezera zofunika. Koma palibiretu njira zomwe mungagwiritsire ntchito ngongole popanda guarantors kuti mupereke ndalama zothandizira ndalama zambiri. Banki silidzapereka ndalama zambiri pokhapokha munthu wina atapatsidwa ndalama kapena wothandizira.

Mavuto

Ambiri mwa anthu ali mu ukapolo wa ngongole. Kuwononga kwa ruble, kuchepa kwa malipiro, kuchepetsa ntchito - zonsezi zimakhudza solvency ya wobwereka. Kuyankha mabanki kumakhala kovuta. Koma pali njira yotulukira. Pali njira zingapo zothetsera mavuto ndi ngongole ya ngongole. Banki ikhoza kupereka malipiro a kubwezera kwa ngongole yaikulu, kupatula nthawi yokhayo yokha, chikhalitso cha mgwirizano kapena kupereka "maholide a ngongole". Njira yotsirizayi ndi yosavuta kwambiri.

Kukonzekera ngongole ndiko motere: nthawi yobwezera ikuwonjezeredwa, ndipo malipirowo amachepetsedwa. Pachifukwa ichi, mudzayenera kulipira ndalama zambiri. Koma ngati zili bwino, ndizotheka kubwezera ngongoleyo pasanapite nthawi.

Mukhoza kusintha ndondomeko yobwezera ngongole. Mwachitsanzo, nthawi yina kulipira ngongole iliyonse. Kapena kwa kanthawi kochepa malipiro amachepetsedwa ndi kuchuluka kwa ndalama zomwe mukufunikira, ndiyeno kumawonjezeka.

Ngati wobwereka akukumana ndi mavuto azachuma, akhoza kugwiritsa ntchito kubanki kuti amuthandize. Koma bungwe la ngongole lidzaumirira kunena momveka bwino za mtundu wa mavuto. Iwo athandizira kokha ngati akuwona vutoli panthaŵi yochepa komanso mwangozi. Ngati vutoli ndi lofunika kwambiri, iwo amalangiza kugulitsa chikole.

Momwe mungapezere kukongola kwa ngongole

Kukhoza kupeza "tchuthi cha ngongole" kungatchulidwe poyamba pa mgwirizano wokha. Koma muyeso uwu ndi wabwino kwa banki basi. Munthu wakuthupi amapeza mwayi woti asalipire ngongole mkati mwa miyezi 1-36. Pambuyo pa kuchedwa kotero, kuchuluka kwa malipiro kukuwonjezeka ndipo malipiro akuwonjezeka mwa mawonekedwe a chidwi. Choncho, tchuthi zoterozo zimabweretsa ndalama zowonjezera kwa wobweza.

Ngati wobwereka adakali ndi ufulu wopeza mpumulo, ndiye kuti choyamba muyenera kupeza mu banki:

1) Kodi izi zimaloledwa ndi mgwirizano wa mgwirizano.

2) Kodi padzakhala malipiro aliwonse pa nthawi yochedwa (nthawi zambiri banki ikukulolani kuti musamalipire ngongole yaikulu, koma imafuna kubwezera kwa nthawi yake chidwi).

Chikhumbo chofuna kubwezeretsa ntchito chiyenera kulembedwa: kalata yochokera kuntchito kuchedwa kuchepetsa malipiro, chiphaso cha kubadwa kwa mwana, chiphaso chachipatala chodziŵika, ndi zina zotero.

Zina zowonjezera

Mmalo moganiza momwe mungachedwe kubwereketsa ngongole, ndibwino kuyesa kugwirizana pazowonjezera mgwirizano. Ngongole ikhoza kupitilira kwa zaka zisanu. Nthaŵi ya ogula ndi ngongole za galimoto sizidzawonjezeka. Mukhoza kudalira chisankho chabwino koma ngati chisanafike nthawiyo wobwereka amapereka malipiro ake.

Poyamba ndondomeko yotenga ngongole, muyenera kulembera kalata kwa banki ndikufotokozera zifukwa, kupereka zolemba zonse. Ndondomeko imeneyi iyenera kuchitika tsiku lililonse kwa sabata limodzi, monga momwe mabungwe a ngongole amachitira "kusamvetsetsa" zomwe zili pangozi, nthawi yoyamba. Banki ikhoza kukana kupitirira popanda kufotokoza zifukwa. Mulimonsemo, mwayi wothetsera mgwirizanowu ndi wapamwamba kusiyana ndi umene ukukhazikitsanso.

Malamulo asanu ndi limodzi otsimikiza zachuma

Musanayambe kugwidwa ndalama, muyenera kuonetsetsa kuti mukusunga ndalama. Banki, pofufuza deta ya kasitomala, imangoganizira za kubwerera. Ndipo wobwereketsa ayenera kuganizira momwe ndalamazo zilili komanso momwe angakhalire pa nthawi ya mgwirizano.

1. Lembani malipiro abwino pamwezi. Akatswiri amanena kuti sayenera kupitirira 40% ya ndalama. Mabungwe amatsitsa malire awa kwa 20-30%. Muzowerengera ndikofunika kuti muganizire pazomwe mukupeza panopo. Izi zikutanthauza kuti ngati patha chaka chimodzi polojekiti ya ntchito ikukonzekera bonasi ya 50% ya malipiro, ndi bwino kubwezeretsa kugula kwa miyezi 6. Kapena onetsani kuti mukugwiritsa ntchito phindu lanu lenileni panthawiyi. Mwa njira, ku UK pambuyo pa mavuto mu 2010, mabanki analetsedwa kuti apereke ndalama zowononga ndalama, zomwe katatu zimaperekedwa kwa munthu wobwereka.

2. Tsimikizani nthawi yabwino ya ngongole, malinga ndi kuchuluka kwa malipiro a mwezi.

Mgwirizano pakati pa zizindikiro izi ndi zosiyana. Kutalika kwa nthawi yaitali, ngongole yaying'ono. Koma pakadali pano, bankiyo idzabwereranso ndalama zambiri, monga momwe chiwongoladzanja chokhudzidwa ndi chiwongoladzanja chakawonjezeka pachaka. M'kupita kwanthaŵi, kuthekera kwa ndalama zosayembekezereka ndizapamwamba kwambiri.

3. Khalani ndi ndalama zosungiramo ndalama.

Kukula kwake kuyenera kukhala malipiro atatu kapena asanu ndi limodzi pamwezi. Ndalamayi ikhoza kusungidwa ndalama, kuikidwa pa chikhomo ndi kugwiritsidwa ntchito ngati pazifukwa zina simungapereke malipiro ake. Nthawi zina, ndalama zopezera ndalama zimapewa ngongole yokha.

4. Lembani ngongole kugula zinthu zofunika kwambiri.

5. Kumbukirani za zinthu zazing'ono.

Paziwerengero musati muzengereza ndalama zomwe munalandira pa phwando laling'ono. Choyamba chimakhudza malipiro a mwezi uliwonse. Ngati simubwezera kubanki ngakhale khoti la mwezi uno, mudzayenera kulipira, zomwe zikuwerengedwa ngati peresenti ya ndalama. Kuwonjezera apo, makasitomalawa amangolowera m'gulu la osokoneza bongo. Lembani ngongole m'tsogolomu zidzakhala zovuta kwambiri.

6. Kubwezera koyambirira ndi kuwonjezeka kwa malipiro a mwezi uliwonse si chinthu chomwecho. Pachiyambi choyamba, malipiro a ngongole, kuphatikizapo chidwi, amabwezedwa ku banki mwamsanga ndi malipiro amodzi. Koma ngati wogulayo amangopereka ndalama zoposa ndalama zomwe zilipo kwa miyezi ingapo pamzere, izi sizimupatsa ufulu wokonza "lendi zachitukuko".

Kutsiliza

Mumoyo pali zosiyana. Kufunika kwa ndalama zina kungabwere mwadzidzidzi. Chabwino, ngati munthu ali ndi ndalama "tsiku lamvula", ndiye kuti simukuyenera kulowa mu ngongole. Kodi mungapeze bwanji ngongole popanda zolemba? Ndi zophweka, ngati pali phindu lopeza nthawi zonse. Mukungoyenera kugwiritsa ntchito pasipoti ndikusiya pempho. Kufunika kwa guarantor kungakhalepo pamene kugula nyumba, galimoto, kapena ngongole imatengedwa kuti ipange bizinesi. Nthawi zina, mabanki amafunikira mapepala osachepera, mwamsanga kubwereza mapulogalamu ndikupanga chisankho. Apa ndi momwe mungapezere ngongole kwa a Russia.